Change Log (Consultation Dec 2019)
A detailed list of changes from V3.1.3 to V3.1.4
Changes are indicated as follows. Copy which has been removed is struck out and copy which has been added is in blue.
Item | Section Reference | Description of Change | Reason for Change | ||||||
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Section Introduction | |||||||||
1 | The Customer Experience Guidelines form part of the Open Banking Standard The Customer Experience Guidelines (and associated Checklist) form part of the Standard The CEG Checklist has been developed for ASPSPs and TPPs to assess compliance The CEG and CEG Checklist are consistent with: The Revised Payment Services Directive (PSD2) (Transposed in the UK by the Payment Services Regulations 2017 (PSRs)) The Regulatory Technical Standards on Strong Customer Authentication and Common and Secure Communication (RTS)) The UK CMA Retail Banking Market Investigation Order which applies to the nine largest UK retail banks only (known as the CMA9)). In developing its Standard On this basis, where an ASPSP seeking an exemption notifies the relevant National Competent Authority (NCA) (e.g. the FCA in the UK) that its dedicated interface follows the OBIE Standard For this purpose, we would expect an ASPSP to complete and submit the CEG Checklist, providing supporting evidence as appropriate, to OBIE. This can then be provided to the NCA in support of its application for an exemption. | Updated | |||||||
2 | Added new pages to Menu - Introduction Customer Journey Setup Consent - Codification of AIS Consent (PSD2) Consent Management Stop Sharing (sub-menu) Revocation Offboarding & Data Erasure Customer Communication Improving Comprehension | Added more guidance to Customer Journey for TPPs on Customer Journey & Customer Communication | |||||||
3 | Removed below pages from Menu - Introduction Vulnerable Customers CX Principles | The content is rolled up on About page | |||||||
4 | Renamed below pages to Menu - Introduction | The menu item is renamed. | |||||||
5 | Updated About page with Disclaimer The contents of the CEG and CEG Checklist do not constitute legal advice. While the CEG and CEG Checklist have been drafted with regard to relevant regulatory provisions and best practice, they are not a complete list of the regulatory or legal obligations that apply to Participants. Although intended to be consistent with regulations and laws in the event of any conflict with such regulations and laws, those regulations and laws will take priority. Participants are responsible for their own compliance with all regulations and laws that apply to them, including without limitation, PSRs, PSD2, GDPR, Treating Customers Fairly, consumer protection laws and anti-money laundering regulations | Updated About page with Disclaimer | |||||||
6 | Moved below sections from old Design & Experience Principles page to Customer Journey page Useful elements in the customer journey Unhelpful elements in the customer journey | Moved content to relevant page | |||||||
Section Account Information Services (AIS) | |||||||||
1 | Refreshing AISP access | Click for Related API specifications
| Typos | ||||||
7 | 90-Days Re-authentication | New Journey | New change to reflect 90 days re-auth journey | ||||||
8 | Permissions and Data Clusters for AIS journeys | Your Account Details | Balance | Balances | Your account balance | Amount, Currency, Credit/Debit, Type of Balance, Date/Time, | Clarification to align to Decision 201 | ||
Section Payment Initiation Services | |||||||||
9 | Payment Refunds | New Journey | New change to reflect Payment Refunds Journey | ||||||
Section Card Based Payment Instrument Issuers (CBPIIs) | |||||||||
10 | Revocation of Consent | Change to process wireframe. Confirm Consent Revocation | Clarification | ||||||
11 | Card-specific Permissions and Data Clusters for AIS journey | Your Card Details | Balances | Balances | Your account balance | Amount, Currency, Credit/Debit, Type of Balance, Date/Time, | Clarification to align to Decision 201 | ||
Section Appendices | |||||||||
12 | Standard Error Codes | Please refer to Specs Section : OBErrorResponseError1Code | To remove duplicate content | ||||||
13 | Refund Payment Fullfillment | Supporting examples for Payment Refunds | |||||||
Section The Customer Experience Checklist | |||||||||
14 | Explanation of the Customer Experience Guidelines Checklist | Customer-Experience-Guidelines-Checklist-v3.1.4-Final.xlsx The checklist is now called 3.1.4 |
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15 | 8a | Consent | PISP | Do you gather consent in a clear, specific and straightforward manner as per the principles described in Section - Payment Refunds of the Customer Experience Guidelines? | Answer must be "Yes" | Required | n/a | Mandatory | PSRs Reg. 69(3)(g) •FCA Approach Document 17.68 |
16 | 17a | Authenticating to refresh access | AISP | Do you allow the PSU to confirm their request to refresh access across multiple ASPSPs account(s)? When refreshing access across multiple ASPSPs, do you enable the PSU to select and confirm the relevant accounts(s) for refreshing access? | Answer must be "Yes" | Required | n/a | n/a | *FCA Approach Document 20.47 |
17 | 17b | Authenticating to refresh access | AISP | Do you apply SCA when the PSU confirms their selection of account(s) across the relevant ASPSPs account(s)? | Answer must be "Yes" | Required | n/a | n/a | *FCA Approach Document 20.24 •EBA opinion paper – 13th June 2018 38-39 |
18 | 18a | Completion | AISP | Upon successful completion of SCA, do you confirm to the PSU that access has been refreshed? | Answer must be "Yes" | Required | n/a | n/a | n/a |